Frequently Asked QuestionsSoalan Lazim
Mutually benefitting thousands of businesses and investors that has adapted to P2P Financing.
Overview of P2P Financing Market in Malaysia
67651
Successful Campaigns for Businesses
4.73
Amount Raised from Crowd Investors
8636
Successful Issuers
Up till 5th December 2023, Source: sc.com.my
Be Adaptive.
Try something new.
Move pass the surface and get connected.
Be Curious.
Find the why.
Make informed choices for the things that matter.
Be Different.
Break the mold.
Challenge convention and visualize the possibilities.
Be Selective.
Prioritize your choices.
Make an impact based on your value and principles.
Be You.
Be who you choose to be.
Be part of the Cofundr Community.
Registered with Securities Commission Malaysia

Explore Investing with Cofundr.

Let’s invest together to achieve our financial goals.

Explore Financing with Cofundr.

Let’s crowd finance the funds needed to achieve your business goals.

About P2P Crowd Financing

P2P (Peer-to-Peer) Crowd Financing offers qualified Micro, Small, and Medium Enterprises (MSMEs) the option to ‘Crowd Fund’ the financing required by connecting them with potentially thousands of investors via an online platform. With this option,  MSMEs can now secure the working capital that they need through an alternative source. Meanwhile, investors get risk-adjusted returns by choosing to support the businesses in line with their core values.

Mengenai Pembiayaan Orang Ramai

Pengendali Pembiayaan Orang Ramai P2P (Peer-to-Peer) menawarkan kepada Perusahaan Mikro, Kecil dan Sederhana (PMKS) yang berkelayakan, untuk mendapat dana dari orang ramai (dan institusi-institusi) dengan cara menghubungkan mereka dengan ribuan pelabur-pelabur yang berpotensi melalui platform digital atas talian. Melalui pilihan ini, PMKS kini boleh mendapatkan modal kerja dan belanja modal yang mereka perlukan melalui sumber dana alternatif P2P. Sementara itu, pelabur-pelabur akan mendapat pulangan terlaras risiko dengan memilih untuk melabur berdasarkan tahap selera risiko masing-masing.

How does peer-to-peer financing work?

Peer-to-peer financing is a fairly straightforward process. All the transactions are carried out through Recognized Market Operators of online P2P Crowd Financing platforms registered with Securities Commission Malaysia.

Application

A potential company interested in obtaining financing completes an online application on the peer-to-peer financing platform.

Permohonan

Syarikat yang berminat untuk mendapatkan pembiayaan perlu melengkapkan permohonan atas talian pada platform digital pembiayaan peer-to-peer

Assessment

The platform assesses the application and determines the risk and credit rating of the applicant. Then, the applicant is assigned the appropriate interest or profit rate.

Penilaian

Platform digital menilai permohonan dari syarikat yang berkenaan dan menentukan risiko dan penarafan kredit pemohon. Kemudian, pemohon diberikan kadar faedah/keuntungan yang bersesuaian.

Crowdfund

When the application is approved, the financing requested is offered as an investment to (registered) investors on the platform based on the credit rating and assigned interest or profit rate. 

Pembiayaan Orang Ramai

Apabila permohonan diluluskan, pembiayaan yang diminta ditawarkan sebagai pelaburan kepada pelabur yang berdaftar di platform digital berdasarkan penarafan kredit dan kadar faedah/keuntungan yang ditetapkan.’

Disbursement

If the investment1 is fully subscribed, the funds are disbursed to the applicant upon completing the documentation process.

All Investors’ funds are held in Trust Accounts and is managed by a licensed Trustee

Pengagihan

Jika pelaburan telah dilanggan sepenuhnya (minima 80%), dana akan diagihkan/pindahkan kepada pemohon/penerbit setelah menyelesaikan proses dokumentasi dan pemohon memenuhi semua syarat-syarat yg ditetapkan.

Semua dana pelabur disimpan dalam Akaun Amanah dan diuruskan oleh Pemegang Amanah berlesen

Returns

Thereafter, the applicant pays periodic (usually monthly) interest/profit and principal payments throughout the agreed financing tenure until its completion.

Pulangan

Selepas itu, pemohon/penerbit akan membayar faedah/keuntungan dan bayaran pokok berkala (bulanan atau pada tarikh matang) seperti yang dipersetujui sehingga selesai.

Mutually benefitting thousands of businesses and investors that has adapted to P2P Financing.
Overview of P2P Financing Market in Malaysia
67651
Successful Campaigns for Businesses
4.73
Amount Raised from Crowd Investors
8636
Successful Issuers
Up till 5th December 2023, Source: sc.com.my

Trusted by SMEs and Investors

Investor
SMEs

Getting returns every month, irrespective of note tenure, has added a steady side income for me. Cofundr made it hassle-free!

Serena Chan
1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Serena Chan
Pelabur kali pertama

Cofundr shattered my skepticism. The return rates and the ease of starting with just RM100 are beyond belief. I took the plunge as a first-time investor, and it's been pleasantly surprising!

Alex Tan
1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Alex Tan
Pelabur kali pertama

Investment platforms are often confusing, but not Cofundr. Their platform is user-friendly, and the guidance from their Investment Representative was invaluable. Our journey has been smooth with prompt responses and effective solutions.

eSolved MSC Sdn Bhd.
Corporate Investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

eSolved MSC Sdn Bhd.
Pelabur kali pertama

Understanding investment factsheets is usually complex, but not with Cofundr. Their factsheets are transparent and easy to comprehend. No hidden charges, only clarity. This transparency instills confidence, making Cofundr my choice for long-term investment.

Olivia Ng
Long-term Investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Olivia Ng
Pelabur kali pertama

Cofundr surprised me with terms tailored to my company's performance, providing a comfortable and flexible tenure. The working capital obtained through this P2P lending platform enabled us to achieve our targets. Cofundr's easy application system makes it a great platform for business crowd financing.

Palm Oil Logistics Experts
NOTE WC1507

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Palm Oil Logistics Experts
Nota WC200008

In our search for funding, we discovered P2P lending and found Cofundr. The easy application process and flexible terms made Cofundr stand out for us. We wholeheartedly recommend Cofundr to other SMEs.

Delivery Specialists
NOTE WC2200039

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Delivery Specialists
Nota WC200008

Having a vision for our company comes with inevitable obstacles. Faced with working capital deficiency during expansion, we explored P2P lending and discovered Cofundr. Cofundr's competitive rates, straightforward application, and suitable term make it a standout choice. If you're an SME seeking short-term loans, we highly recommend Cofundr.

Linen Medicare Suppliers
NOTE WC1717

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Linen Medicare Suppliers
Nota WC200008

Getting returns every month, irrespective of note tenure, has added a steady side income for me. Cofundr made it hassle-free!

Serena Chan
1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Serena Chan
Pelabur kali pertama

Cofundr shattered my skepticism. The return rates and the ease of starting with just RM100 are beyond belief. I took the plunge as a first-time investor, and it's been pleasantly surprising!

Alex Tan
1st time investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Alex Tan
Pelabur kali pertama

Investment platforms are often confusing, but not Cofundr. Their platform is user-friendly, and the guidance from their Investment Representative was invaluable. Our journey has been smooth with prompt responses and effective solutions.

eSolved MSC Sdn Bhd.
Corporate Investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

eSolved MSC Sdn Bhd.
Pelabur kali pertama

Understanding investment factsheets is usually complex, but not with Cofundr. Their factsheets are transparent and easy to comprehend. No hidden charges, only clarity. This transparency instills confidence, making Cofundr my choice for long-term investment.

Olivia Ng
Long-term Investor

Saya mendapat pulangan saya setiap bulan tanpa perlu menunggu tempoh Nota Pelaburan yang saya laburkan berakhir. Sangat bagus sebagai pendapatan sampingan!

Olivia Ng
Pelabur kali pertama

Cofundr surprised me with terms tailored to my company's performance, providing a comfortable and flexible tenure. The working capital obtained through this P2P lending platform enabled us to achieve our targets. Cofundr's easy application system makes it a great platform for business crowd financing.

Palm Oil Logistics Experts
NOTE WC1507

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Palm Oil Logistics Experts
Nota WC200008

In our search for funding, we discovered P2P lending and found Cofundr. The easy application process and flexible terms made Cofundr stand out for us. We wholeheartedly recommend Cofundr to other SMEs.

Delivery Specialists
NOTE WC2200039

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Delivery Specialists
Nota WC200008

Having a vision for our company comes with inevitable obstacles. Faced with working capital deficiency during expansion, we explored P2P lending and discovered Cofundr. Cofundr's competitive rates, straightforward application, and suitable term make it a standout choice. If you're an SME seeking short-term loans, we highly recommend Cofundr.

Linen Medicare Suppliers
NOTE WC1717

Saya terkejut apabila mendapati syarat-syarat Cofundr boleh memenuhi keperluan syarikat saya; ia bermanfaat kepada saya dan saya selesa untuk meneruskan permohonan. Selain itu, tempoh perkhidmatan adalah fleksibel untuk memenuhi keperluan kami. Modal kerja yang diperoleh melalui pembiayaan orang ramai membolehkan kami mencapai sasaran kami. Bahagian yang terbaik ialah sistem aplikasi Cofundr adalah mudah dan ia merupakan platform yang hebat untuk membiayai perniagaan kami.

Linen Medicare Suppliers
Nota WC200008

Leveraging on Fintech to assist SMEs in managing risks with Insurance

General Insurance helps to protect businesses from the financial impact, whether it’s big or small. However, the statistics remained the same year after year that around 50% of SMEs are uninsured and for those that are insured, 85% of them are underinsured.

Due to the lack of insurance coverage, many SMEs have suffered tremendous losses and would have no way to be compensated because they were uninsured. As such, Cofundr is on a mission to get the uninsured SMEs insured through the KitaCover campaign. This campaign promotes the education and awareness of insurance among SMEs and is supplemented with a Pre-approved Insurance Premium Financing plan provided by Cofundr to assist with affordability.

And as part of our commitment to the SME community, Cofundr will fully subsidise the financing costs of any uninsured SMEs that are getting insurance for the first time under the campaign. This is a limited time offer, so please register your interest today!

*terms and conditions apply

Find out more about KitaCover

Let’s make an Impact!

Let’s make an impact together with your investment ringgit and choose to support businesses that is in line with your core values. At Cofundr we encourage our investors to be selective with their choices. As such, we strive to offer not just a range of commercially diverse selection of investment opportunities but to include sustainable and shariah complaint responsible investment opportunities as well to meet this goal.

View All Opportunities

Before investing, let’s talk about Risk!

Are there any risks involved? Yes. As with all investments, investing your money for a return will always expose you to financial risks and Cofundr is not exempted from this risk. Investments made on our platform are not insured and are not covered by the Capital Market Compensation Fund (CMCF). There is a possibility that the issuer may not be able to meet its financial obligations.

Although every care has been taken to safeguard your investment, we ask that you consider the suitability of the investment product before you proceed and encourage you to build a diversified portfolio to mitigate default risk, if you do.

Read Our FAQs

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